S&t Bancorp, Inc. · NASDAQ:STBA
S&t Bancorp — Q2 2014 Earnings Presentation
23 slides from S&t Bancorp's earnings presentation, Aug 29, 2014
Slide 1: Second Quarter 2014
Todd Brice President and Chief Executive Officer Mark Kochvar Chief Financial Officer Second Quarter 2014 Exhibit 99.1
Slide 2: Headquartered in Indiana, PA
Headquartered in Indiana, PA $4.8 billion in assets (as of 06.30.14) Institutional ownership: 41% Insider ownership: 3% $740 million market cap. (as of 06.30.14) Stock price: $24.85 (as of 06.30.14) Bank holding company with 55 offices and 5 insurance locations +e + + te % Northeast Ohio loan produc
Slide 3: Performance Summary
Performance Summary Dollars in thousands, except per share data *Annualized ** Refer to appendix for reconciliation of Non-GAAP financial measures
Slide 4: Unemployment
Source: Bureau of Labor Statistics Seasonally adjusted US PA Pittsburgh MSA 3.5% 4.5% 5.5% 6.5% 7.5% 8.5% 9.5% 10.5% Unemployment
Slide 5: Housing Price Index
Source: Federal Housing Finance Agency All Transactions; Not seasonally adjusted Index 2005: Q1=100 US PA Pittsburgh MSA Housing Price Index
Slide 6: Long-Term Marcellus Shale Benefit
Long-Term Marcellus Shale Benefit
Slide 7: Strategic and Effective Acquisitions
Strategic and Effective Acquisitions • 2012 - Gateway Bank of Pennsylvania $ 126 • 2012 - Mainline Bancorp • 2008 - IBT Bancorp • 2002 - Peoples Financial Corp • 1998 - Branch Purchase from Mellon • 1997 - Peoples Bank of Unity • 1991 - Atlantic Financial Savings Bank • 1991 - Vanguard Savings Bank
Slide 8: Loan Growth
-$200 -$150 -$100 -$50 $0 $50 $100 $150 $0 $50 $100 $150 $200 $250 $300 $350 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Loan Growth $ in millions
Slide 9: Non Performing Loans / Total Loans vs Peers
* Bank Holding Companies $3-10 Billion of Assets Non Performing Loans / Total Loans Peer* 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 1Q 14 2Q 14
Slide 10: Net Charge Offs / Average Loans vs Peers
* Bank Holding Companies $3-10 Billion of Assets Peer* -0.5% 0.0% 0.5% 1.0% 1.5% 2.0% 1Q 14 2Q 14 Net Charge Offs / Average Loans
Slide 11: Non Interest Expense / Average Assets vs Peers
* Bank Holding Companies $3-10 Billion of Assets Peer* 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 1Q 14 2Q 14 Non Interest Expense / Average Assets
Slide 12: Full Time Equivalent Employees
Full Time Equivalent Employees IBT Mainline Gateway 1,000 1,050
Slide 13: Return on Average Assets vs Peers
* Bank Holding Companies $3-10 Billion of Assets Return on Average Assets Peer* 0.0% 0.5% 1.0% 1.5% 2.0% 1Q 14 2Q 14
Slide 14: Return on Average Equity vs Peers
* Bank Holding Companies $3-10 Billion of Assets Peer* 0.0% 2.5% 5.0% 7.5% 10.0% 12.5% 15.0% 17.5% 1Q 14 2Q 14 Return on Average Equity
Slide 15: Stock performance vs KBW Regional Banking Index
Source: Bloomberg *KRX – KBW Regional Banking Index as of 8.19.14
Slide 16: Lines of Business
Commercial Banking Retail Banking Wealth Management Insurance Lines of Business
Slide 17: Income Statement
Income Statement Dollars in thousands, except per share data
Slide 18: Balance Sheet
Balance Sheet Dollars in thousands
Slide 19: Loan Portfolio
Loan Portfolio Dollars in thousands
Slide 20: Asset Quality
Asset Quality Dollars in thousands
Slide 21: Capital Ratios
Capital Ratios ** Refer to appendix for reconciliation of Non-GAAP financial measures
Slide 22: Appendix – Non-GAAP Measures
APPENDIX – Non-GAAP Measures
Slide 23: Sei Bancorp, Inc
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